Citi Double Cash® Card
No annual fee · 2% on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2% | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
Non-cash perks
- Extended warranty
- Citi Merchant Offers statement-credit program
- Citi Entertainment presale/exclusive event access
- No Authorized User fee
- $0 liability on unauthorized charges
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5% on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 2.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
Compared head-to-head
- Citi Double Cash® Card vs Capital One Savor — which earns more?
- Citi Double Cash® Card vs Chase Freedom Flex — which earns more?
- Citi Double Cash® Card vs Chase Freedom Unlimited — which earns more?
- Citi Double Cash® Card vs The Platinum Card from American Express — which earns more?
- Citi Double Cash® Card vs American Express Gold Card — which earns more?
- Citi Double Cash® Card vs Capital One Venture X — which earns more?
- Citi Double Cash® Card vs Sapphire Reserve for Business — which earns more?
- Citi Double Cash® Card vs Chase Sapphire Reserve — which earns more?
- Chase Freedom Unlimited vs Chase Freedom Flex vs Citi Double Cash® Card — all three side by side
- Wells Fargo Active Cash vs Citi Double Cash® Card vs Capital One Quicksilver — all three side by side
- Discover it Cash Back vs Chase Freedom Flex vs Citi Double Cash® Card — all three side by side
More from Citi
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · money.usnews.com. Spot an error? Tell us.